In 2026, the USDA loan limit in Hot-Springs-Village, Saline county, AR, is $285,000, while the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates and figure out the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, enabling you to choose the best program for your financial situation in Alabama.
Compare loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to seamlessly secure the optimal USDA or FHA loans with speed and ease. Select from three introductory paths that facilitate a match with lenders and USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that necessitate a 3.5% minimum down payment, USDA mortgages require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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